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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,462 | $132,634-40.8% | $115,768-32.2% | $137,256-42.8% |
| Participation rate | 65.0% | 77.9%-12.9pp | 74.4%-9.4pp | 80.0%-15.0pp |
| Annual return | 13.25% | 160.70%-147.5pp | 100.46%-87.2pp | 220.34%-207.1pp |
| Employer contribution / active EE | $1,025 | $3,360-69.5% | $2,940-65.1% | $4,156-75.3% |
| Participant deferral / active EE | $2,902 | $5,619-48.3% | $4,917-41.0% | $6,407-54.7% |
| Admin fee / account holder | $20,900 | $15,028+39.1% | $12,439+68.0% | $12,270+70.3% |